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Daily Business News All Daily Business News
24 Nov 2013
Banking sectors capital base: a mixed bag

Banks’ total capital base in the third quarter climbed 0.94 percent despite a huge shortfall in some badly-managed banks. On September 31, banks’ total capital stood at Tk 50,328 crore against Tk 49,860 crore recorded three months prior, according to data from Bangladesh Bank. As per international standards, a capital adequacy ratio (CAR), which is the ratio of a bank’s capital to its risk, of 10 percent is required, but the local banks’ CAR stood at 9.14 percent towards the end of September.

The four state-owned commercial banks had CAR of 1.32 percent, the private commercial banks (PCBs) 11.56 percent, foreign commercial banks 20.25 percent and the five specialised banks minus 10.18 percent. The four state banks did not have any surplus; rather they had shortfall of Tk 8,863 crore, which was a slight improvement from June’s figure of Tk 9,062 crore. A high BB official said the government has taken an initiative to meet the shortfall, though.

The private commercial banks’ overall surplus capital was Tk 2,458 crore, but six private banks—National Bank, Exim Bank, Premier Bank, ICB Islamic Bank, Bangladesh Commerce Bank and NRB Bank—together had a shortfall of Tk 2,295 crore. The central bank is particularly monitoring the situation at Premier Bank, National Bank and Exim Bank, and should the situation not improve by December necessary actions will be taken, a BB official said.

Khondkar Ibrahim Khaled, a former deputy governor of BB, said an observer might be appointed at the private banks’ board to test whether all banking rules and regulations are being abided. The foreign banks had a surplus of Tk 2,666 crore, while the government-owned specialised banks including BASIC Bank had a shortfall of Tk 6,150 crore. Of note is BASIC Bank’s capital deficit, which shot up 228 percent since the end of June to Tk 592 crore. Increase in classified loans is to blame, according to a BB official. A finance ministry official said the bank has also sought money from the government to solve the capital shortfall, but the government has no such plans to acquiesce to it.

Source :: The Daily Star